| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHWEST COMPREHENSIVE INC3 | 401 N MICHIGAN AVE STE 1200 CHICAGO, IL 60611 | ANTHEM INSURANCE COMPANIES, INC. | $33K | $0 | $33K | 1.53% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | CUSTOM DESIGN BENEFITS, INC | $0 | $7K | $7K | 4.45% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.72% |
| JOHN J. CERASANI3 | 160 FEDERAL ST BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.28% |
| NORTHWEST COMPREHENSIVE INC3 | 401 N MICHIGAN AVE STE 1200 CHICAGO, IL 60611 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.60% |
| 12 INTERACTIVE DBA SPOTLITE3 Filed as: 12 INTERACTIVE LLC | 216 W OHIO FL 4 CHICAGO, IL 60647 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| MARK S METTILLE | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $708 | $708 | 1.64% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $178 | $178 | 0.41% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.89% |
| JOHN J. CERASANI3 | 401 N MICHIGAN AVE STE 1200 CHICAGO, IL 60611 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.11% |
| NORTHWEST COMPREHENSIVE INC3 | 401 N MICHIGAN AVE STE 1200 CHICAGO, IL 60611 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $990 | $990 | 4.04% |
| 12 INTERACTIVE DBA SPOTLITE3 Filed as: 12 INTERACTIVE LLC | 216 W OHIO FL 4 CHICAGO, IL 60647 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $734 | $734 | 3.00% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $395 | $395 | 1.61% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $99 | $99 | 0.40% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.75% |
| JOHN J. CERASANI3 | 160 FEDERAL ST BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.25% |
| NORTHWEST COMPREHENSIVE INC3 | 401 N MICHIGAN AVE STE 1200 CHICAGO, IL 60611 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $595 | $595 | 4.15% |
| 12 INTERACTIVE DBA SPOTLITE3 Filed as: 12 INTERACTIVE LLC | 216 W OHIO FL 4 CHICAGO, IL 60647 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $430 | $430 | 3.00% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $230 | $230 | 1.61% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BNFT SOLUTIONS LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $58 | $58 | 0.40% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 246 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 209 | $2.2M |
| Dental | CUSTOM DESIGN BENEFITS, INC | 213 | $153K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 209 | $2.2M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 246 | $57K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 246 | $24K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 246 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.